Savings

Whether you're saving for a home, planning a vacation or looking ahead to retirement, TwinStar Credit Union gives you savings options to fit every person, every family. From certificates of deposit to tax-saving IRAs, our rates will help you comfortably reach your financial goals.

Current Savings rates

As of: 04/01/2014
Balance Range Dividend Rate APY*
Shares $0.00 and up 0.03% 0.03%
Planned Savings $0.00 and up 1.60% 1.61%
IRA Shares $0.00 and up 0.40% 0.40%
Kasasa Saver
Up to $5000
Over $5000**
1.24%
0.03%
1.25%
0.09%
As of: 04/01/2014
Balance Range Dividend Rate APY*
Premium Money Market
$0 - $24,999.99
$25,000 - $49,999.99
$50,000 - $74,999.99
$75,000 - $99,999.99
$100,000 - $149,999.99
$150,000 and up
0.03%
0.20%
0.25%
0.25%
0.30%
0.35%
0.03%
0.20%
0.25%
0.25%
0.30%
0.35%
Money Market Savings
$0 - $999
$1,000 - $2,999
$3,000 - $14,999
$15,000 - $24,999
$25,000 - $49,999
$50,000 - $74,999
$75,000 - $99,999
$100,000 and up
0.03%
0.07%
0.10%
0.10%
0.15%
0.20%
0.20%
0.30%
0.03%
0.07%
0.10%
0.10%
0.15%
0.20%
0.20%
0.30%

Features for all accounts

  • Receive monthly dividends (some accounts have a minimum balance)
  • Free Online Banking Access
  • No or low minimum opening deposit
  • Free ATM Access

Go beyond basic Savings with Money Market Savings, Planned Savings, or a Youth Savings account:

Money Market Savings

Get a higher yield on your savings.

TwinStar Credit Union's money market savings accounts give you a higher-yield alternative for savings with a minimum deposit of $1,000. Money Market accounts give you flexibility and access to your money (up to four withdrawals or transfers per month without paying a fee).

Planned Savings

Plan for a future goal.

Family vacations, birthdays, anniversaries, the Holidays. You know they'll all come around every year, so rather than have to pay for them at the last minute out of your grocery money, why not set up a planned savings account with TwinStar Credit Union?

You choose your savings goal and deadline for meeting it. We'll tell you how much you need to put away each month to reach your goal. Stick to the plan and you'll earn dividends at a preferred rate.

Once you meet your goal, we'll transfer your total (including dividends) to whichever TwinStar Credit Union account you specify.

Youth Savings Accounts

Help your child learn to save.

A Dollar Dog Kids Club Savings account teaches your child the value of saving money. An initial deposit of $5 or more starts a savings account and club membership. Learn about the Dollar Dog Kids Club.

Financial fitness is even more important for young people in their teens. At age 13, a Dollar Dog saving account is automatically converted to a Financial Outfitter Savings account.

* APY = Annual Percentage Yield. Rates may vary by region. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly. Rates may vary by region. Call TwinStar at (360) 357-9917 in Thurston County, or 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration.

Shares

Prime/Regular Savings, Dollar Dog Kids Club, Outfitter Savings, Subsidiary Savings, and Holiday Savings. Prime/Regular Savings requires $100.00 minimum daily balance to earn dividends. Other savings do not require a minimum balance to earn dividends.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly.

Planned Savings

Dividend rate will be 1.5% to 2.0% above Prime/Regular Savings Rate and is fixed for the term. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly. Minimum term six months; maximum term 36 months. Deposits may not exceed an aggregate of $500 per member per month in all planned savings accounts (includes the total of initial and/or monthly deposits).

IRA Shares

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly. No minimum balance required to obtain APY. Initial deposit and/or monthly payment amounts not to exceed $2500.00. Deposit and/or withdrawal restrictions may apply. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.

Kasasa Saver

Kasasa Cash/Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash/Cash Back are met each monthly qualification cycle:(1) balances up to $5,000 in Kasasa Saver receive an APY of 1.25%; and (2) balances over $5,000 in Kasasa Saver earn 0.03% interest rate on the portion of the balance over $5,000, resulting in 1.25% - 0.03% APY depending on the balance. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.03% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
**APY Range of 1.25%-0.09% depends on balance maintained, assuming a maximum $100,000 in 2nd tier

Premium Money Market

$25,000 minimum balance required to open the account.

Money Market Savings

$1,000 minimum balance required to open the account. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly. Four free withdrawals per month; $2.00 per withdrawal thereafter. No minimum balance required to obtain APY.